Self-insured employer health plans : prevalence, profile, provisions, and premiums

by Gregory Acs, Stephen H Long, M. Susan Marquis, Pamela Farley Short

Purchase Print Copy

 FormatList Price
Add to Cart Paperback13 pages Free

Data from three recent surveys indicate that about 40 percent of workers with employment-based health insurance are enrolled in plans that their employers self-insure. Despite the considerable differences between federal regulation of these self-insured plans and state regulation of employer plans purchased from an insurance company, the authors find striking similarities in the populations they serve, the benefits they offer, and their premium costs. Implications for health policy are discussed.

Originally published in: Health Affairs, 1996, v. 15, no. 2, pp. 266-278.

This report is part of the RAND Corporation reprint series. The Reprint was a product of the RAND Corporation from 1992 to 2011 that represented previously published journal articles, book chapters, and reports with the permission of the publisher. RAND reprints were formally reviewed in accordance with the publisher's editorial policy and compliant with RAND's rigorous quality assurance standards for quality and objectivity. For select current RAND journal articles, see External Publications.

The RAND Corporation is a nonprofit institution that helps improve policy and decisionmaking through research and analysis. RAND's publications do not necessarily reflect the opinions of its research clients and sponsors.